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New Visitor
Posts: 1
Registered: ‎12-06-2012
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Just getting started with the credit rebuild.

[ Edited ]

Always assumed that my credit was un-fixable, but after reading through the forums here I'd like to give it a shot.  I pulled my EQ report and there are several items listed in a couple different categories.   I've been wading through the PFD / DV posts, but I'm not sure I have a solid path to follow.  Maybe the community at large can point me in the right direction.  I'll list what was found in the report:

 

NEGATIVE ACCOUNTS

 

Account NameAccount NumberDate OpenedBalanceDate Reported Date of last reported update.Past DueStatus Condition of account when last updated by creditor or otherwise.Credit Limit
PG&EXXXXXXXXXXXXX07/01/2004$0  04/01/2009
Account Number:XXXXXXXXXXXXX  
Type of Account :Open  
Date Opened:07/01/2004    
Date Reported:04/01/2009 Amount Past Due: 
Date of Last Payment:02/2007   
Date of First Delinquency:07/2006 
Comments:Paid collection  

 

Not really sure why this is on my report unless they are reporting a late payment or something.  I currently have service with this utility company and no payment problems.

 

COLLECTIONS

 

 

I.C. SYSTEMS INC 
Date Reported:11/2012 
Creditor Classification:Cable/Cellular 
Creditor Name:AT T 
Accounts Number:XXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$176 
Date of 1 st Delinquency:03/2012 
Balance Owned:$176
Status:D - Unpaid 

 

EOS / CCA 
Date Reported:11/2012 
Creditor Classification:Utilities 
Creditor Name:AT T MOBILITY 
Accounts Number:XXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$359 
Date of 1 st Delinquency:11/2008 
Balance Owned:$424 

 

NATIONWIDE RECOVERY SYSTEM
Date Reported:12/2007 
Creditor Classification:Cable/Cellular 
Creditor Name:AT T MOBILITY 
Accounts Number:XXXXXXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$1,652 
Date of 1 st Delinquency:08/2006 
Balance Owned:$1,652 

 

Again, not sure what's up with AT&T.  I have current service with them and nothing shows on my account as past due.   I cannot fathom a situation in which I racked up almost $2,000 in debt with a phone company over the last 6 years.

 

 

ENHANCED RECOVERY CORP 
Date Reported:02/2012 
Creditor Classification:Cable/Cellular 
Creditor Name:COMCAST CABLE COMMUNICATIONS 
Accounts Number:XXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$115 
Date of 1 st Delinquency:07/2006 
Balance Owned:$275 

 

I have never had a Comcast account.  Ever.  Not sure where this is coming from.

 

STATES RECOVERY SYSTEMS 
Date Reported:08/2011 
Creditor Name:PROFESSIONAL COLL CONSULTANTS 
Accounts Number:XXXXXXXXXXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$1,400 
Date of 1 st Delinquency:12/2006 
Balance Owned:$1,400

 

STATES RECOVERY SYSTEMS 
Date Reported:08/2011 
Creditor Name:PROFESSIONAL COLL CONSULTANTS 
Accounts Number:XXXXXXXXXXXXXXXXX
Account Owner:Individual Account. 
Original Amount Owned:$595 
Date of 1 st Delinquency:08/2006
Balance Owned:$595 

 

I have no idea who these guys are or why they think I owe them almost $2,000.  

 

 

 

 

It's entirely possible that some, if not all, of these debts are legitimate.  Where can I go from here?  Is it worth it to dispute ones that are so old that I can't remember if I actually had an account with them?  Should I just try to negotiate a settlement amount?

 

I have gotten a handle on paying current bills and keeping up on things like car loans and my _one_ credit card.  Now it's time to fix my past.

 

Thanks for any help...

 

Amaranth

 

 

 

New Member
Posts: 2
Registered: ‎12-06-2012
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Re: Just getting started with the credit rebuild.

[ Edited ]

For future reference, I am the OP (AKA Amaranth).

 

For some reason when I left and came back to the forums, I had to enter a new username and it wouldn't let me pick my original one.  Please address any replies to this account as it seems to be more stable than the last one.

 

Thanks again for any advice...

 

J "Amaranth" C

Regular Contributor
Posts: 142
Registered: ‎02-06-2009
0

Re: Just getting started with the credit rebuild.

OP, is that your real name? :smileysurprised: I think you should probably edit your post and take your name out.  On the subject of your baddies, from what I read here in the forums, sounds like you need to start with some DV letters but I'll let the credit pros handle this one. 

NFCU Cash Rewards $14,000/FNBO Platinum $4,600/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $600/Neiman Marcus $3500/Saks5thAve $2250

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

New Member
Posts: 2
Registered: ‎12-06-2012
0

Re: Just getting started with the credit rebuild.

"OP, is that your real name? :smileysurprised: I think you should probably edit your post and take your name out."

 

Done and done.  Thanks for the heads up.

 

On the subject of DV letters: With debts so old, would the DV even be considered "timely"?  Is that a factor at all?

 

JC

Regular Contributor
Posts: 142
Registered: ‎02-06-2009
0

Re: Just getting started with the credit rebuild.

I'm not sure about that arena.  You make a good point-looks like they're all due to fall off sometime in 2013.   Are you're willing to wait it out?? Can anyone else chime in here?  I'm not 100% sure and I don't want to give incorrect advice. 

NFCU Cash Rewards $14,000/FNBO Platinum $4,600/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $600/Neiman Marcus $3500/Saks5thAve $2250

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Valued Contributor
Posts: 1,540
Registered: ‎08-30-2012
0

Re: Just getting started with the credit rebuild.

Do this,

Send a GW for the paid collection to get it removed. Then DV the other CA's.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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